What are the ways to cash in and earn points with a credit card?

do you want to cash out again and accumulate points? Online transactions can only be cashed out, and the accumulated points need to see what bank card you are. As far as I know, the card of Shanghai Pudong Development Bank counts as the points for online transactions. And the things exchanged are very good value. Other banks should not count. The way to meet your requirements I recommend is to find a friend with a pos machine to swipe the card, but POS machines are also classified. There are two types: wholesale and retail. If banks are strict in this respect (such as China Merchants Bank), they will not accumulate points for wholesale pos consumption. Therefore, in order to ensure that there are points, you need to find a retail pos machine to cash in. Now it's time to talk about the cash handling fee. Why must there be points in the retail category? Because the handling fee for credit card consumption of retail pos machines is the highest. 1% handling fee. If you are spending normally, this handling fee is paid by the merchant. But if you want to cash out, you'll have to pay it yourself. So you need to weigh, which is more cost-effective, the 1% handling fee or the benefits brought by your points. Don't use RMB to buy points. It doesn't make any sense. I hope I can help you.

Many people are redeeming credit card points now. What's the matter with credit card points redemption?

many people in the world who exchange credit card points are the same as those who exchange mobile telecom points on the street. The main purpose is to earn a middle price difference, or to accumulate customers for other purposes!

let's talk about credit card points first. At present, credit card consumption has points, which are generally 1:1 points, that is, one yuan is given as an integral, and there are also 16:1 points, as well as 1:3 and 1:1 points. Different banks, different cards, and different points.

different integration methods have different values. Take Ping An Bank as an example. Their integral standard is 1, points equal to 2 yuan, and the standards of other banks are similar to this. This is basically the standard of general cards. Of course, some are higher than him, and some are lower than him. Please consult the corresponding bank customer service for details.

Tell me why there are multiple points of 1:2 and 1:1. Generally, double points are on a specific day, such as the month of your birthday or the anniversary of the bank. More points than this multiple are specific co-branded cards. This CITIC Taobao co-branded card is an example.

I have used many credit cards of CITIC. Originally, they were only used as credit cards, but now they are basically used as membership cards. The earliest applicants are rebate cards and 1% rebate. Later, there was a public comment card, and you could grab a half-price meal coupon every month and so on. I just applied for a package co-branded card last month. His card said that there are points for online consumption at ordinary times, and I forgot the proportion. But on special days, such as double eleven, double twelve and so on, the maximum score is ten times. Because there are many online shopping at ordinary times, this point is also the purpose of my card application.

There are many points, of course, there are also some points. For example, the online consumption of the Ping An car owner card in my hand has points. There are also different merchants who support points in each bank. If you spend in a certain type of merchant, there will be no points, such as people's livelihood and building materials. The specific situation depends on the merchant category table published by the bank.

finally, let me talk about my personal experience in using credit card points. To be honest, I didn't care much about credit card points at first. At that time, there were few points, and I didn't worry about this thing when I saw that tens of thousands of points couldn't be exchanged for anything.

It was not until I wandered around the CITIC Credit Card app that I saw a lucky draw. The prize was Apple's airpods and a wireless charger, which required 999 points. I looked at the opening time, set an alarm clock in advance, and started to grab it after the time, but I didn't expect to grab it directly. But at that time, I really didn't take it seriously, thinking that it was the rotten headphones that I usually sent to participate in activities, which would not be true. I forgot how long it took, and a courier came over. I opened it and saw that it was real airpods. I went online to check it for more than 1 yuan. At that time, I was really surprised. You think I won 2 yuan at most in the lottery for many years. I didn't expect some useless credit card points to make me win 1 yuan. Can you not be surprised?

after that, I began to pay attention to credit card points. Among the credit cards I have used, CITIC's points are easy to use. At first, I used it the most, grabbing 5% off meal coupons on Wednesdays and Saturdays, and I used it many times when I went out with my friends. In addition, it is a nine-point lottery, and many people exchange it for Haagen-Dazs, video members and so on. I usually use his 3 yuan coupon for Decathlon. It turned out that Guangfa also had a half-price meal coupon on Friday, but it disappeared and came out at last, which was much worse than before. My Guangfa card is a smart card. In the past, the points can only be exchanged for credit card gold, but not for goods. It is also based on the ratio of 1, points to 2 credit card gold. I changed more than 1, yuan for the first time, which is quite convenient. Later, there were more requirements, not to say that they had to go to the bank to exchange money, or there was a limit. I still have to grab the quota in integral mall every day, so I'm too lazy to change it. Now I use 16, points to exchange the tomato juice noodles downstairs for vouchers in 33 yuan. More than 1.2 million points are enough to eat many meals.

There are fewer points that are not used in other banks. The points of Shanghai Pudong Development Bank have been exchanged for vacuum cleaners, and the points of Agricultural Bank of China have been exchanged for aviation points. I have never used those who exchange credit card points outside, because I know the value of these things too well and don't want them to take advantage of it. As far as the card app on my own mobile phone is concerned, there are points redemption on the pos app, and the proportion is similar to that of banks, and some are higher, but there are fewer banks that can redeem them. There are also some apps that specialize in redeeming points. The proportion of redeeming points above is simply cheat people, which can be redeemed for 2 at ordinary times, and the junior people here are only a few dollars. Therefore, I suggest that friends with less points might as well win a prize in official website and change their phone bills, so as not to waste them beyond the time limit. Friends with more points, who need cash, can find a suitable software to exchange points for cash!

credit cards can be redeemed for gifts in the official mall of the bank, but it should be noted that not all mall gifts can be redeemed with points, and points can not be redeemed for cash, and not all bank credit cards have the function of redemption.

The threshold for redeeming credit card points in banks is not low.

In integral mall of banks, many goods, especially those with higher value, need a lot of points for redeeming, while those with lower points often have low value, belonging to small gifts of little use, which makes many goods need a lot of points when redeeming. Take the credit card of China Merchants Bank, which I often use, as an example. It takes 699 points to exchange points for a monthly card of Tencent Video APP, while China Merchants Bank consumes one point in 2 yuan, that is to say, it takes 13,98 yuan to exchange points for a monthly card of Tencent Video APP.

Credit card points redemption is an important means to promote credit card consumption

We have got a general understanding that many goods need a lot of points for redemption, so how do you get points? Consumption, of course! How can there be enough points if you don't brush with a card? Moreover, the exchange modes of many commodities now are full points and points+cash. Let's take the recruitment behavior as an example. In integral mall of China Merchants Bank, Lake LEXY air purifier adopts the exchange mode of 699 yuan+1, points, and there are still many such products. Isn't it a surprise? It cost you money and points?

Not all credit card points are permanently valid

The reason why China Merchants Bank is taken as an example is that the credit card points of China Merchants Bank are permanently valid, and the corresponding point is that you can only get one point by spending 2 yuan. Other banks spend one point in 1 yuan basically with a service life. Of course, the general bank's credit card APP will show how many points are about to expire and when. What is more embarrassing is that when you often want to exchange a favorite product, often the points have not accumulated enough, and the points begin to expire!

in addition, not all purchases have points

Generally, POS machines with abnormal rates will not have points. There are also no points for merchants' consumption in public welfare channels, such as willingness, people's livelihood, water, electricity and gas, administration, education, etc., many of which are zero-rate channels. The essence of banks is to make money, and so is credit cards. In this kind of zero-rate channel consumption, banks can't make money, and obviously they won't give points.

to sum up, there are many ways to redeem credit card points. At most, points can be regarded as some small benefits that banks give back to users' consumption. The real purpose is for users to spend by swiping their cards. Of course, it's also good for consumers to get the right wool through the integral. Why not?

not only credit cards, but also China Unicom Telecom have points. But many people's points are wasted, because many points are cleared every year, and they are automatically cleared when they are not used.

In addition to redeeming gifts at the credit card points center, points can actually be directly converted into cash now. Because the exchange of things to be honest is not so good. So I usually convert it into cash. This is not a waste of points, but also very practical.

hello, I'm a card rich man. I've been playing cards professionally for eight years, and the total credit of four credit cards is 1.16 million.

Bank credit card points are valuable. Credit cards of all banks have their own exchange channels, such as common exchange phone bills, oil cards, food vouchers, taxi vouchers, air miles, etc., so it saves a lot of money to use your credit card points efficiently. Those who exchange credit card points mainly use the price difference space, each platform has its own offline user needs, and then collect points at low prices to accurately exchange products to obtain the value of high information difference.

Nowadays, the circulation of credit cards has reached a glorious period. The credit card quotas of basic staff add up to 2,, and the average credit card score is 1: 1. One person earns millions of credit card points every year. As the saying goes, there is a market when there is demand. I often like to drink Starbucks during afternoon tea or invite company employees to drink it, so why not have a coupon? Several banks add up to be enough to exchange many cups. For example, Starbucks of Bank of China can enjoy one for one on weekends.

Credit card points cannot be directly converted into cash, which is true in principle, but as we all know, there must be channels for any project to come out, but these channels are all converted through a third party.

And it does exist, and it can be exchanged. If it can't be exchanged, just imagine that if banks issue more than 2 billion credit cards every year, there will be consumption when there are credit cards, and the consumption will have points. How to deal with it? If you only exchange them through the banks that issue cards, you can only get small gifts or some daily necessities.

But this is really not cost-effective for cardholders. The appearance of the platform for exchanging points for cash has just solved the problem of cardholders, that is, the problem of directly converting points into cash! Although it is not much, it is also money, not

because credit card points can be exchanged for various gifts;

At present, the credit card apps of all banks have integral mall on them, and you can exchange all kinds of gifts in integral mall. For example, shopping cards/household appliances and other items, if you just use cash, you will not get this extra profit, so this is also the reason why many people continue to use credit cards to pay. Of course, you can also do various tasks in the credit card APP, and you can also earn points.

For example, a credit card APP like the one above can recommend new customers to earn points, play games to earn points, do tasks to earn points and pay for earning points. Let's take a look at how to use the points:

For example, the above picture shows integral mall's convertible goods, including razors and suitcases. Those with high points can also exchange some goods with higher value. Some banks' VIP credit cards can also be exchanged for air miles and VIP boarding services. Other common aviation theme co-branded cards can also exchange air miles, which is very useful for people who often need to fly. Or for those who like to play games, you can set up a co-branded card of the game, and if you spend a certain amount, you will get points, and the points can be exchanged for the card of the game. And so on.

I started to use credit cards in 28, and I exchanged my credit card points with Bank of Communications for many gifts, including pillows, music pillows, lunch boxes with music buttons and so on. They are all very practical small gifts, which can save us some money. I have also exchanged Pufa points for electronic shopping cards, and I should still have some say on the issue of credit card points exchange:

1. Credit cards have points for daily consumption and online shopping

Credit cards generally spend one yuan to accumulate one point, which is a means to encourage people to spend by swiping their cards. Just like telecom mobile consumption has points, the nature of gifts that can be exchanged at the end of the year is the same.

Of course, there are also expenses such as hospitals, educational institutions and wholesale merchants that are not scored. In the early days of Bank of Communications, the proportion of points was roughly 5 points, which could be used to get a one-yuan gift, and it took 15, points to change a 3-yuan gift.

in 15-16 years, you can exchange 88, cents for the electronic gift card of 1 yuan JD.COM or No.1 store, which is equivalent to 88 cents for one yuan.

actively participate in credit card rights activities, such as double points for birthdays.

now, there are fewer options for Bank of Communications to redeem full points. Most of them are limited points exchange ratio and part of them are paid in cash. The same is true for the exchange of telephone charges. The points can be used for a small part, so save a little and calculate a little.

2. Pay attention to the validity period of credit card points

The validity period of Bank of Communications credit card points is three years. Before Pudong Development, the points were permanently valid, and now there are also time limits. Please pay attention to the relevant regulations on holding credit cards and don't waste points.

3. Don't spend impulsively for points

If you can swipe your card for daily consumption, make rational use of the longest interest-free period, and never spend impulsively for points.

most importantly, when using a credit card, the repayment must be timely. Once overdue, there will be a credit stain, but it will affect the loan and house purchase!

in the final analysis, credit card points are icing on the cake when using credit cards reasonably. We can exchange points for gifts, phone bills and even credit card payments, which can be regarded as making the best use of everything.

redemption of points for gifts is a common welfare method of membership system. No matter some Internet apps or some membership cards in the retail industry, there are similar redemption methods for points.

points redemption of bank credit cards is nothing new. Simply put, the points redemption of credit cards is mainly to encourage cardholders to spend more and swipe their cards, so as to get more points. The more points, the more gifts they can redeem or some high-quality gifts with high points.

for credit card holders, it is undeniable that point redemption is indeed a welfare, especially for those who often swipe their credit cards, it will really stimulate the idea of swiping cards.

On the other hand, although points redemption is a welfare, you can't put the cart before the horse to swipe your card for points. You should still swipe your card based on your own needs and spend it rationally. After all, whether there are points or points redemption, you still have to pay it back after swiping your card.

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